Annuity Products and Services

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Individuals may save for retirement by participating in multiple employer sponsored programs and individual accounts. Over time, many choose to consolidate their accounts and protect their level of accumulation for when they need to rely on these savings to start generating income. MassMutual provides several deferred annuity products, some of which provide features (at an additional cost), that offer a level of protection for an investor. Mutual fund based Rollover IRA programs are also made available and feature the expertise of MassMutual affiliated asset managers, including OppenheimerFunds and Babson Asset Management.

Deferred Variable Annuities

Performance and Financial Documents

View unit values, product and underlying fund prospectuses, supplements, and semi/annual reports.

Variable annuities offer the opportunity to invest in diversified portfolios of securities, on a tax-deferred basis. Variable annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying a variable annuity to fund a qualified plan for the annuity's additional features such as lifetime income payments and death benefit protection. Most importantly, annuities offer the ability to create a stream of income which cannot be outlived. Payment of lifetime income is contingent upon the claims paying ability of the issuing company or companies. MassMutual offers a wide range of variable annuities to help meet your specific needs.

	MassMutual Transitions Select^sm
	Panorama Passage^�
	MassMutual Evolution^sm
	MassMutual Equity Edge^sm
	MassMutual Artistry

Deferred Fixed Annuities

A fixed annuity offers safety of principal and earns a guaranteed interest rate for a specified period of time. Your principal and interest rate are guaranteed by the issuing companies of MassMutual Odyssey and MassMutual Odyssey Plus. It is a low-risk product designed for more conservative investors who, most importantly, don't want to worry about the ups and downs in the stock or bond markets. It can also be a good choice for investors who don't want to be burdened with making any complex investment decisions.

	MassMutual Odyssey Plus^sm
	MassMutual Odyssey^®

Immediate Annuities

Immediate annuities are designed to provide a stream of income guaranteed for life or for a certain period of time. Guarantees and payment of lifetime income are based on the claims-paying ability of the issuing company.

Immediate Variable Annuity

MassMutual RetireEase Select^SM

MassMutual RetireEase Select single premium immediate variable annuity can be an important part of your total retirement income plan. In addition to income guaranteed for life or for a period of time you select, you have the potential to increase your income by investing in a wide range of variable investment choices. Investment performance will fluctuate with market conditions, which can affect the amount of your income payment. A fixed account is also available.

How it works:

You pay a one time premium to purchase a contract, and

Select the contract payment method, type and frequency

Plan your investment strategy and choose an Assumed Investment Rate (AIR)

Evaluate additional features to help personalize your contract.

Within a 12-month period after you pay the single premium (you choose the date), MassMutual begins to pay guaranteed income to you. Guarantees are based on the claims-paying ability of Massachusetts Mutual Life Insurance Company (MassMutual).

Immediate Fixed Annuities

	MassMutual RetireEase^SM
	MassMutual Single Premium Immediate Annuity (SPIA) - no longer sold

MassMutual RetireEase^SM

MassMutual RetireEase single premium immediate annuity can provide a fixed amount of guaranteed income to you as part of your total retirement income plan. In addition to income guaranteed for life or for a period of time you select, you can elect an optional feature that will increase your fixed payments by a certain percentage each year.

Here's how it works. You:

Pay a one time premium to purchase a contract

Select the contract payment method and frequency

Evaluate additional features available within the contract

Please ask your financial professional for more information about the annuity contracts we offer to determine which one may be the most suitable for you.

Principal Underwriter
MML Distributors, LLC
1295 State Street
Springfield, MA 01111-0001

Wholly owned subsidiary of
Massachusetts Mutual Life Insurance Company
1295 State Street
Springfield, MA 01111-0001

Annuity products are issued by Massachusetts Mutual Life Insurance Company, and its subsidiaries, C.M. Life Insurance Company, and MML Bay State Life Insurance Company.

C.M. Life Insurance Company and MML Bay State Life Insurance Company are non-admitted in New York.

C.M. Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082

MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082 (Principal Administrative Office)

AN8000 0703

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For additional information call our toll-free number: 1 (800) 272-2216 (press 2); Monday-Friday 8:00a.m.-8:00p.m.(ET)

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	Annuity Newsletter: Expressions
	Rate of Return

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Check out current performance information for the MassMutual Financial Group companies' Annuity, IRA, Executive Benefits and Variable Life products.

related information

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